M1 Retirement ACCOUNTS

Prepare for
life after work

Automatically invest for retirement with a tax-advantaged brokerage account. Custom-build your portfolio or choose a pre-made Expert Pie based on your long-term goals.

The right time to open your IRA

IRAs (Individual Retirement Accounts) help you save for your future with tax benefits. You can open an account at any time, with potentially added advantages when you invest earlier and compound your earnings. 

Compound Interest of 10% for 20 years

Source: Investopedia.com 

Choose the account type that’s right for you

Traditional IRAs

Traditional IRAs can be funded with pre-tax earnings for tax-deferred growth on your retirement savings. You need to pay taxes on funds you withdraw from this account. Open a Traditional IRA

Roth IRAs

Fund your IRA with post-tax funds for tax-free growth of your retirement savings. You won’t pay taxes on funds you withdraw from this account. Open a Roth IRA


SEP (Simplified Employee Pension) IRAs are for those who are self-employed, own a business, employ others, or earn freelance income. You need to pay taxes on funds you withdraw from this account. Open a SEP IRA

Rollover IRAs

Have an existing 401(k) or IRA that needs a new home? It’s easy to transfer these accounts and begin managing them on the M1 platform. Transfer an IRA or Transfer a 401(k)

 Visit our Help Center to learn more about account types

Put your long-term mindset into practice

Try an Expert Pie

Choose from a wide selection of pre-built portfolios structured around your target retirement date, risk tolerance, or other long-term investing focuses.

Get into the details

Customize your Pie completely: include slices of different Expert Pies, select individual stocks and ETFs, and set the amounts to your liking.

Stick to the plan

Turn on auto-invest and we’ll take care of the rest. Your contributions will be automatically invested in accordance with the proportions of your Pie.

No management fees

There are no hidden costs or fees associated with M1 Brokerage Accounts, including M1 IRAs Commission-free trading of stocks and ETFs refers to $0 commissions charged by M1 Finance LLC for self-directed brokerage accounts. Other fees may apply such as regulatory, M1 Plus membership, account closures, and ADR fees. For complete list of fees, visit m1.com/legal/disclosures/misc-fees . For a complete list of fees, see the M1 Fee Schedule.

What you need to know


Go to M1’s Help Center

Anyone with earned income is eligible to open and contribute to an IRA. 

No. You will be able to invest in a wide range of stocks and ETFs with your M1 IRA. 

Withdrawing from your IRA may subject you to taxes and penalties depending on your age, type of IRA, and how long your account has been funded. 

Traditional IRAs allow you to invest pre-tax dollars and pay taxes on your earnings at the time of withdrawal. Roth IRAs allow you to invest post-tax dollars, enabling you to withdraw contributions without paying taxes. 

Yes, you can open and contribute to multiple IRAs, with some requirements. For more details about managing multiple IRAs, visit the Help Center

Total control, total automation for your wealth today and tomorrow.

Three phones in a row each displaying different dashboards from the M1 app.